Lead Credit Risk Officer

11 hours ago


Mumbai, Maharashtra, India FlexiLoans Full time

About Us:

FlexiLoans is a pioneering digital financing platform, dedicated to providing quick and flexible funds for growing small businesses. Our vision is to offer seamless financial access through cutting-edge technology.

We are a leader in the ecosystem-based digital lending for small businesses in India. With over 100,000+ loans worth Rs. 5,000 Crs+, we have been successful in catering to MSME businesses across 3,200+ cities without a single branch. We utilize technology and risk models that focus on alternative scoring methods, ensuring our origination process is entirely digital with embedded partnerships like Amazon, Flipkart, Nykaa, Paytm, Paisabazaar, META, etc.

Our company has received funding from prominent investors including MAJ invest, Fasanara Capital, Sanjay Nayar (Founder - Sorin Investments), Dr. Harry Banga (Founder, Caravel group), Yogesh Mahansaria (Founder, Alliance Tyres) Gunit Chaddha (Ex-CEO, Deutsche Bank, Asia Pacific), Anil Jaggia (Ex-CIO, HDFC Bank), Vikram Sud (Ex-COO, Kotak Mahindra Bank), Narayan Seshadri (Ex-Managing Partner, KPMG), Gopal Srinivasan (Chairman, TVS Capital) and Siddharth Parekh (Co-Founder, Paragon Partners).

Our team consists of top-tier talent from diverse backgrounds, passionate about revolutionizing the MSME universe. We believe in ownership and decision-making support for individuals while providing an opportunity to grow and learn within the organization. FlexiLoans offers a unique front-row seat to the MSME Fintech revolution in India.

The Role:

We are looking for a highly motivated Lead Credit Risk Officer/Strategic Business Manager who can implement creative thinking, analytical skills, and diverse expertise in revolutionizing new products, processes, and strategies to drive business growth. The ideal candidate should possess problem-solving skills, strong business acumen, and ability to communicate effectively at all levels.

Responsibilities:

  • Oversight of credit policies, procedures, and processes related to SCF and HVC business, addressing risks through evaluation and developing required risk frameworks.
  • Direct responsibility for the credit quality and risk performance of the company and the SCF and HVC businesses.
  • Development and review of Early Warning System reports.
  • Periodic portfolio review in accordance with industry scenario and RBI Circular, making necessary policy amendments.
  • Monitoring of external economic environment, regulatory policies, and competition to ensure strong business growth.
  • Automation system implementation to improve team efficiency and productivity.
  • Utilization of data analytics to develop insights into credit risk trends, identify emerging risks, and optimize credit risk management strategies.

Requirements:

  • Minimum 7 years of experience in credit/risk department related to supply chain financing and/or wholesale corporate lending.
  • CA/CFA degree with relevant experience.
  • Strong understanding of operational, legal, and credit risk across various industries.
  • Experience in unsecured and financial-based credit assessment.

Salary Range: ₹30,00,000 - ₹45,00,000 per annum.


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